Je, ni benki gani inatoza gharama nafuu?

sun wu · Oct 10, 2012

Maundumula said:
Hata hapa bongo zipo benki nyingi ambazo ukiweka pesa hata kwenye account ya Savings kawaida kila muda fulani unapata interest.

Tatizo lenu mmeshazoea benki zenu hizo 3.

Mkuu ni Benki gani hizo naomba uniambie na sio interest inakuwa senti mbili alafu wanakata service charge mia tatu..;

ngoja nikupe mfano ukiweka hapa pesa zako lets say elfu 3000 (CRDB) na ukiziacha ukirudi baada ya mwaka utakuta pesa yako yote ishaisha (kwa service charge wanayokata kila mwezi)

Ukiweka pesa yako lets say hata pennies (50p) kwenye Benki UK (iwe barclays, HSBC, TSB au yoyote ile) ukirudi baada ya mwaka utakuta hio 50p yako imezaa vi-pennies vingine (that's what am talking about)

Benki ni biashara ya kukopesha watu na makampuni na pesa za kukopesha inatoka kwa watu kama mimi na wewe na wengine wanaoweka pesa Benki.., hivyo kutumia pesa yangu kukopesha watu alafu wanikati pesa kila mwezi eti service charge ni wizi (inabidi mimi ndio wanipe interest kwa kuwasaidia kuzalisha faida)

sun wu · Oct 10, 2012

Zion Daughter said:
Sasa si ndo ufunguke uzitaje..na ndio lengo la thread..

Halafu hawa BOT si ndio kaz yao kudhibiti hiz gharama.

BOT nao pamoja na haya mabenki yote ni wezi.., inabidi kuwe na consumer protection act ya kuweza kuwabana hawa watu, sababu wanachokifanya sio haki (just imagine service charge zote wanazochukua kwenye kila account ya mtu) sijui nikiweka pesa yangu benki wanaajiri mlinzi ili ailinde ?.., wakati ukweli ni kwamba nikiweka pesa yangu wanamkopesha mtu mwingine na wanakula faida.., bila aibu bado wananikata tena pesa kama shukrani ya kuwawezesha wao kupata faida

Zion Daughter · Oct 10, 2012

Maundumula said:
Sio kazi ya BOT kudhibiti gharama zinazotozwa na mabenki.

BOT wanachofanya ni kuweka uwanja huria mabenki yaje yashindane.

Kazi yao kubwa ni kuyaangalia mabenki ku minimize RISK ili kile kidogo cha wananchi kisipotee.

Kama wewe ume sign mkataba wa kufungua account ukakubaliana kwamba tariffs zinaweza kubadilika wakati wowote bila notice hapo msaada gani tena tukupe mamdogo?

Sawa. jibu swali basi la kuhus hiyo benki isiyo na makato makubwa.. mbona unakwepa swali la msingi

Zion Daughter · Oct 10, 2012

sun wu said:
BOT nao pamoja na haya mabenki yote ni wezi.., inabidi kuwe na consumer protection act ya kuweza kuwabana hawa watu, sababu wanachokifanya sio haki (just imagine service charge zote wanazochukua kwenye kila account ya mtu) sijui nikiweka pesa yangu benki wanaajiri mlinzi ili ailinde ?.., wakati ukweli ni kwamba nikiweka pesa yangu wanamkopesha mtu mwingine na wanakula faida.., bila aibu bado wananikata tena pesa kama shukrani ya kuwawezesha wao kupata faida

Hii BOT ilitakiwa iwe regulatory body kama Ewura au Sumatra...

Kimbori · Oct 10, 2012

Hivi nitanyaje haya maoni yafike kwa Prof. Ndulu, kila nikiona na kusikia tangazo kuhusu benki ya CRDB nahisi kukatwa. Je ndio kukwepa haya makato ndio sababu ya Waislam kupigia debe Islamic Banking?

Maundumula · Oct 11, 2012

Zion Daughter said:
Sawa. jibu swali basi la kuhus hiyo benki isiyo na makato makubwa.. mbona unakwepa swali la msingi

Zion Daughter,

Sijakwepa swali mamdogo mimi nina avoid kuonekana nafagilia benki fulani fulani ndio maana nataka na wewe ukafanye homework yako. Kabla hujafungua account kaa chini na umuulize afisa wa benki transaction charges kwenye kaunta sh ngapi? kwenye Atm sh ngapi? je nikitoa pesa kuna limits? Je akaunti hiyo inaingiza riba kwa akiba yako? Je makato ya mwezi yapo? je kuna gharama ya kutumia kadi ya ATM ?

My advice is try hizi benki mpya mpya na ndogo kama Equity,FBME, AZANIA, BOA, FNB,ABC,DTB,I&M,NIC wao focus yao ni kuongeza wateja.

Facilitator · Oct 11, 2012

Katavi said:
Jaribu EXIM

Hawa ni hovyo kabisa, mimi niliwakimbia mwaka 2009. Wanawajali zaidi wahindi wenzao.

SWEET HUSBAND · Oct 11, 2012

maundumula said:
mida hiyo nadhani wanakuwa wanafanya end of day kwenye system, itakuwa inatoka kwa benki nyingi hii kitu.

nmb hakuna hiyo siku hizi!!

Nyati · Oct 11, 2012

rmashauri said:
Mkuu hii siyo kweli hata kidogo. Nafikiri unaongelea Benki nyingine na si Exim Bank. Katika benki ambazo gharama ya kuwa na akaunti huko ni karibu na bure Exim ni mojawapo. Mimi ni mteja wao pia. Hata kwenye website yao inasomeka kama ifuatavyo:

Faida account is a saving account that counts, it comes with:

International debt Master card
Free ATM withdrawal charges
Free accident death insurance coverage of TSH 1 million
Free online bank statement
Free SMS Banking

Hicho chambo hata samaki huwa anaonyeshwa hiyo kitu huku nyuma kuna ndoano. Hii uliyoona kama ni kitu kizuri sana yaani International debt Master card ni kamba shingoni usije ukaitumia katika benki nyingine kwani watakata pesa yako mpaka ulie. Wanakata 6,000/= ukitoa pesa mara moja. Juzi kanda ya ziwa nilipoteza 18,000/ kwa kudraw 600,000/= we acha tu

mathematics · Oct 11, 2012

Maundumula said:
My advice is try hizi benki mpya mpya na ndogo kama Equity,FBME, AZANIA, BOA, FNB,ABC,DTB,I&M,NIC wao focus yao ni kuongeza wateja.

benki nzuri ni pamoja na kuwa na matawi mengi

rmashauri · Oct 11, 2012

Nyati said:
Hicho chambo hata samaki huwa anaonyeshwa hiyo kitu huku nyuma kuna ndoano. Hii uliyoona kama ni kitu kizuri sana yaani International debt Master card ni kamba shingoni usije ukaitumia katika benki nyingine kwani watakata pesa yako mpaka ulie. Wanakata 6,000/= ukitoa pesa mara moja. Juzi kanda ya ziwa nilipoteza 18,000/ kwa kudraw 600,000/= we acha tu

Hii ya mastercard achana nayo ila gharama zingine ulizotaja hapo si sahihi

bhikola · Oct 11, 2012

nimeweka pesa zangu bank "waaameekaataaaaaaaaaaaaaaaaaaaa"
ha ha ha! dogo weka hela ndani tu hakuna makato wala nini

salito · Oct 11, 2012

rmashauri said:
Mkuu hii siyo kweli hata kidogo. Nafikiri unaongelea Benki nyingine na si Exim Bank. Katika benki ambazo gharama ya kuwa na akaunti huko ni karibu na bure Exim ni mojawapo. Mimi ni mteja wao pia. Hata kwenye website yao inasomeka kama ifuatavyo:

Faida account is a saving account that counts, it comes with:

International debt Master card
Free ATM withdrawal charges
Free accident death insurance coverage of TSH 1 million
Free online bank statement
Free SMS Banking

Mkuu haya unayosema hata mimi nimeambiwa na rafiki yangu,tena ni mfanya kazi wa huko exim.

Maundumula · Oct 12, 2012

mathematics said:
benki nzuri ni pamoja na kuwa na matawi mengi

Inategemea ni account ya aina gani.

Kwa mtu kama mimi wa Savings account ambayo ina card Visa, nikiwa popote Tanzania napata huduma.

Plus, my bank is just a call away nikiwa na tatizo nawafahamisha.

ze encyclopedia · Oct 12, 2012

Kimbori said:
Ahsante ze enclopedia! Ila naomba ufafanuzi kidogo kuhusu:
i) mahali yalipo matawi; ikiwemo kama wana matawi mikoani;
ii) je nitapata wapi wadhamini kwa kuwa benki nyingi zinahitaji wadhamini na mimi sifahamiani na mteja yeyote, kumbuka watu wengi hawapo tayari kuadhamini watu wasiowajua kwa kuwa wezi ni weng.
Naomba maoni juu ya benki zingine

Mkuu Kimbori hawa jamaa wana matawi Kariakoo, Quality centre pale kwa Manji na Posta Opposite na Serena Hotel. Pia naskia wanafungua Mwanza, Arusha na Mbeya.
Kufungua akaunti mimi nilipeleka kitambulisho changu yaani Driving Licence pamoja na barua ya serikali ya mtaa, bhaas..hakuna cha wadhamini wala nini...halafu walinipa na internet banking bureeeeeeeeeeee

bestest · Jul 7, 2015

Naomba kujua kutoka kwa wenye experience Bank ipi hapa Tanzania wana makato kidogo kulinganisha na wengine, sina experience na mabank mengine apart from ninayotumia (CRDB) ambayo nayo nilifungua account lakini sikua nimefanya research kujua ipi afadhali.

The great man2 · Jul 7, 2015

Nmb,posta,backlays

Abdulhalim · Jul 7, 2015

Kwa mazingira ya Tz, kiukweli kwangu mimi njia nzuri ya kuhifadhi pesa ni kukata fixed deposit account ambayo ni "cancellable" kupitia banks kama TPB et al. Wale ambao wanaeza kua-access Saccos/Vicoba zilizo na similar arrangement nazo ni bomba pia. Tofauti na hapo mi naona ni bora ela nikae nayo tu mwenyewe.

Belo · Jul 7, 2015

bestest said:
Naomba kujua kutoka kwa wenye experience Bank ipi hapa Tanzania wana makato kidogo kulinganisha na wengine, sina experience na mabank mengine apart from ninayotumia (CRDB) ambayo nayo nilifungua account lakini sikua nimefanya research kujua ipi afadhali.

Equity Bank

KAKA YAKO NAPITA · Jul 7, 2015

Nyumbani Bank

Je, ni benki gani inatoza gharama nafuu?

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